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Compare Andhra Bank with ICICI Bank - Equitymaster

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ANDHRA BANK vs ICICI BANK - Comparison Results

ANDHRA BANK    Change

Established in 1923, Andhra Bank had 1.9% share of the total non-food credit and 1.8% share of the total deposits in the banking sector in FY12. The bank has national presence through 1,712 branches and around 1,056 ATMs, with an employee base of 15,... More

ICICI BANK 
   Change

Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... More

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Current Valuations

    ANDHRA BANK ICICI BANK ANDHRA BANK/
ICICI BANK
 
P/E (TTM) x -0.3 64.2 - View Chart
P/BV x 0.1 2.0 6.5% View Chart
Dividend Yield % 0.0 0.4 -  

Financials

 ANDHRA BANK   ICICI BANK
EQUITY SHARE DATA
    ANDHRA BANK
Mar-18
ICICI BANK
Mar-18
ANDHRA BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs76362 21.0%   
Low Rs33244 13.3%   
Income per share (Unadj.) Rs151.9106.7 142.3%  
Earnings per share (Unadj.) Rs-28.113.2 -212.0%  
Cash flow per share (Unadj.) Rs-116.777.1 -151.3%  
Dividends per share (Unadj.) Rs01.50 0.0%  
Avg Dividend yield %00.5 0.0%  
Book value per share (Unadj.) Rs91.2189.9 48.0%  
Shares outstanding (eoy) m1,198.835,824.48 20.6%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.42.8 12.6%   
Avg P/E ratio x-1.922.9 -8.5%  
Avg P/CF ratio x0.76.6 10.4%  
Avg Price/Bookvalue ratio x0.61.6 37.3%  
Dividend payout %011.3 0.0%   
Avg Mkt Cap Rs m65,1561,765,982 3.7%   
No. of employees `00021.181.5 25.9%   
Total wages & salary Rs m19,06483,335 22.9%   
Avg. income/employee Rs Th8,628.87,622.8 113.2%   
Avg. wages/employee Rs Th903.41,021.9 88.4%   
Avg. net profit/employee Rs Th-1,595.0945.7 -168.7%   
INCOME DATA
Interest income Rs m182,085621,624 29.3%  
Other income Rs m30,969568,068 5.5%   
Interest expense Rs m116,398342,621 34.0%   
Net interest income Rs m65,687279,003 23.5%  
Operating expense Rs m42,852557,556 7.7%   
Gross profit Rs m22,835-278,553 -8.2%  
Gross profit margin %12.5-44.8 -28.0%  
Provisions/contingencies Rs m128,687191,949 67.0%   
Profit before tax Rs m-54,41397,565 -55.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-13,874 0.0%   
Prior Period Items Rs m2870-   
Tax Rs m-20,4696,570 -311.6%   
Profit after tax Rs m-33,65777,122 -43.6%  
Net profit margin %-18.512.4 -149.0%  
BALANCE SHEET DATA
Advances Rs m1,490,8595,668,542 26.3%   
Deposits Rs m2,080,9295,857,961 35.5%  
Credit/Deposit ratio x71.696.8 74.0%  
Yield on advances %8.87.6 114.9%   
Cost of deposits %5.24.1 127.9%   
Net Interest Margin %2.82.7 103.7%  
Net fixed assets Rs m14,85494,650 15.7%   
Share capital Rs m11,98812,858 93.2%   
Free reserves Rs m54,173591,640 9.2%   
Net worth Rs m109,3631,106,241 9.9%   
Borrowings Rs m183,1212,294,018 8.0%   
Investments Rs m679,3983,722,077 18.3%   
Total assets Rs m2,461,11311,242,810 21.9%  
Debt/equity ratio x20.77.4 280.9%   
Return on assets %-1.40.7 -199.4%  
Return on equity %-30.87.0 -441.4%  
Capital adequacy ratio %11.018.4 59.7%  
Net NPAs %8.54.8 177.8%  
CASH FLOW
From Operations Rs m-119,216193,829 -61.5%  
From Investments Rs m-1,416-505,735 0.3%  
From Financial Activity Rs m103,324396,760 26.0%  
Net Cashflow Rs m-17,21585,083 -20.2%  

Share Holding

Indian Promoters % 60.1 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.9 23.1 47.2%  
FIIs % 11.5 40.0 28.8%  
ADR/GDR % 0.0 29.2 -  
Free float % 17.4 7.8 223.1%  
Shareholders   222,746 585,463 38.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ANDHRA BANK With:   DCB BANK  CANARA BANK  AXIS BANK  IDFC FIRST BANK  UNION BANK  

Compare ANDHRA BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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